Approval Rules Discover 1/12
One Sentence Summary
You can only get one Discover card every 12 months
Deep Dive into the Discover 1/12 Rule
This is a simple rule that doesn’t need much further explanation. You are only allowed one Discover card every year. There is also a separate rule stating that you are only allowed to hold two Discover cards at once. So if you have one, you must wait 12 months to apply for another. If you have two, you have to cancel one and wait 12 months from your last approval before applying for another.
Related Rules
How Does This Affect Your Credit Card Strategy?
We don’t see any reason why you should ever waste a 5/24 spot with any Discover card, so this rule should never impact you. All Discover cards are very far down our list of recommended cards.
Importance of this Rule
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If we could give 0 stars we would. This rule should never come into play as we don’t recommend getting any Discover cards, much less two in less than a year.
Banks That Use This Rule
Cards Subject to This Rule
FAQs
Are there exceptions to this rule?
No, this is applicable to all Discover cards.
How do I check my status?
You can check your status on all cards by loading them into the Points Navigator. We’ll keep track of all the details for you - when you approved, when your annual fee is due, and if you are going to trip any rules by applying for a specific card based on your card history.
Do business cards count for this rule?
Discover doesn’t currently offer any business cards, so this does not apply.
Do product changes on existing cards count for this rule?
Discover stopped allowing product changes on their cards, so this does not apply.
About Approval Rules
Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards. So here's what you need to know:
- Approval rules are rarely fully publicized by the banks
- We use our own research and data points from other users in creating the rules listing
- Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
- There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.